Bike Insurance

Bike Insurance that redefines Stress Free Driving

The joy of riding a bike is priceless! Keep this joy intact with HDFC ERGO's two wheeler or bike insurance that over #1.5 Crore customers trust. And say goodbye to worries of fines, theft or damage to your loyal companion in daily commutes or leisurely highway rides. With our 7700+ cashless garages we assure you we've got your back whether you ride on green pastures or rocky terrains. So secure your bike and your peace of mind with a truly Take it easy experience.

6 Reasons Why HDFC ERGO's Bike Insurance Should Be Your First Choice!

Upto 70% Off on Premium

Get your bike insured at attractive prices that fit your pocket. It is a year-long flash sale but for your bike!

Zero documentation & instant policy

In less than 3 minutes, insure your two-wheeler online in a few clicks. We make insurance simple for you!

24x7 Emergency Assistance

Never feel stranded in an emergency, no matter where you are. Notify us, and we'll take care of the rest.

Doorstep Repair Service

You no longer need to trudge your faulty bike for repairs. Allow us to pick, repair, and drop your two-wheeler, all from & at your doorstep!

Network of Cashless Garages

With 7700+ cashless garages across India, no matter where roads take you, we will be a call away!

#1.5 Crore+ Happy Customers

We strive hard to make your road journeys pleasant, putting a smile on your face. Come, be a part of our 1.5 Cr+ happy family!

Plans that address all your bike insurance needs

MULTI YEAR COMPREHENSIVE TWO WHEELER INSURANCE

All rounded coverage that includes cover against damages to your own two wheeler or damages to a third party person/ property. And if this is not enough it can be customized with your choice of add-on covers, giving you coverage as per your requirement in a cost effective manner. You can also choose the tenure you require coverage for whether one, two or three years , we recommend getting your two wheeler covered for 3 years to avoid renewal hassles.


Suitable for bike lovers seeking all rounded protection, this plan covers:

Accident, theft, fire etc.

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

THIRD PARTY COVER

This cover only protects you against liabilities arising from damage, injury or loss to a third party person or property. As per the Motor Vehicles Act 1988, this is a mandatory cover and driving without a valid third party cover can lead to a fine of Rs.2000.


Suitable for those who use the bike infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

STAND ALONE OWN DAMAGE COVER

This cover helps you shield against financial losses arising due to damage to your own bike or scooter.

Suitable for those who already have a valid third party cover, this plan covers:

Accident, theft, fire etc

Natural calamities

Choice of add-ons

COVER FOR BRAND NEW BIKES

This cover offers 1 year coverage against damage to your own bike along with a 5 year cover against damages to a third party person/ property.

Suitable for those who have purchased a brand new two wheeler, this plan covers:

Accident, theft, fire etc

Natural calamities

Personal accident

Third-party liability

Choice of add-ons

Compare and choose the plan best suited for you



Enhance your coverage with these add-ons

Zero Depreciation

A vehicle's value starts spiraling south as soon as it exits the showroom. But don't be disheartened, a zero-depreciation add on cover will be your savior in such a scenario. This add on cover will help protect your finances in case of a claim due to physical damages to your bike. It is recommended for new and premium bikes since it helps to decrease the expenditures involving losses.
How it helps
Aasaan and Pareshaan Singh had unfortunately been in an accident and while Aasaan was recovering at home and binge watching movies, Pareshaan was worried sick on the financial burden he would face on making a claim! Aasaan had ensured he bought a Zero Depreciation Cover along with his bike insurance, the result being his sole focus was on getting back on his feet and getting his bike back in shape while he got the entire claim amount with no depreciation cuts.

Emergency Assistance Cover

It is a great feeling to know someone has your back at all times, the emergency assistance cover is just that, a friend in need. With 24X7 emergency assistance services like refueling, tyre change, towing, lost key assistance, arranging for a mechanic etc. You can heave a sigh of relief because with this add on cover help will always be at hand during emergencies when your bike suddenly breaks down in the middle of nowhere.
How it helps
Aasaan and Pareshaan went on a road trip to an exotic south Indian destination and while on a scenic coastal road they both faced some issue with their respective bikes. While Pareshaan struggled to communicate with the locals about his bike breaking down not knowing the local dialect, Aasaan sipped on coconut water as a professional technician helped repair his clutch fail issues.

Comprehensive Bike Policy Inclusions and exclusions

What is covered?

Accidents

Been in an accident? Keep calm, we cover damages your bike sustains in an accident.

Fire & Explosion

We won't let a fire or an explosion burn your finances to ashes, be rest assured your bike is covered.

Theft

Your bike getting stolen could be your worst nightmare come true, but we ensure your peace of mind is not disrupted.

Calamities

Calamities can wreak havoc and your bike is not immune to them, but your finances are!

Personal Accident

Your safety is our priority, in case of injuries due to a two wheeler accident we cover your treatment charges.

Third Party Liability

Damaged a third party property or person? We cover damages to a third party property or injuries sustained by a third party person.

What is not covered?

Depreciation

We do not cover general wear and tear or depreciation in the value of your bike or scooter.

Electrical & Mechanical Breakdown

Electrical or mechanical breakdowns of any nature are uncovered.

Illegal Driving

Driving under the influence of drugs or alcohol or not possessing a valid driving license is neither cool nor covered.